Generali Multi-trip (Anual Multiviaje) Travel Insurance Policy Conditions (English Translation)
An English translation of the Generali Anual Multiviaje annual multi-trip conditions — for frequent travellers who take several trips a year on one policy.
These are the General Conditions of the Generali Anual Multiviaje insurance — an annual policy that covers an unlimited number of trips during the year, so frequent travellers do not need to buy a new policy for each trip. They are completed by your Particular Conditions, which confirm the cover level, sums insured, the annual period and the territorial scope.
Part 1 — The annual multi-trip cover
Information Clause ↑ top
This clause fulfils the insurer's duty to inform under Law 20/2015 and RD 1060/2015. Insurer: GENERALI España S.A. de Seguros y Reaseguros, Pl. de Manuel Gómez-Moreno 5, 28020 Madrid. Supervisor: the DGSFP. Complaints: Generali's Claims & Complaints Service (reclamaciones.es@generali.com), then the DGSFP. Applicable law: Law 50/1980 and related rules; Spanish law and jurisdiction, before the courts of the Insured's domicile in Spain.
How the annual policy works ↑ top
- Annual term. The insurance lasts one year; the start and end dates are in your Particular Conditions.
- Unlimited trips, up to 90 days each. The guarantees apply to your stays away from your habitual home, up to a limit of 90 consecutive days per trip — you can take as many trips as you like within the year.
- Maximum entry age 75. The policy can be taken out up to age 75.
- Business and leisure. It covers trips for professional reasons (other than manual work) as well as for leisure.
- Cover ends on return. Each trip's cover ends once you have finished the trip and returned home (unless a guarantee says otherwise).
Object & territorial scope ↑ top
The policy guarantees travel-assistance cover for a chance event during a trip, away from your habitual home, within the contracted territorial scope (typically Spain, Europe or Worldwide) and during the annual period. As with the rest of the range, assistance cannot be guaranteed in countries at war or unrest, or where your government advises against travel; an updated list of excluded territories is published at generali.es.
The guarantees (summary) ↑ top
The Anual Multiviaje cover provides the same guarantee framework as the single-trip Viajero policy, applied to every trip during the year, up to the limits for your cover level:
- Medical & repatriation assistance — medical, surgical, hospital, pharmacy and emergency dental costs abroad; medical transport and repatriation; hotel-stay extension; companion travel; hospitalisation cash benefit; repatriation of mortal remains.
- Travel incidents & disruption — travel delay, missed connections, overbooking, strike, early return for a serious event at home, and trip relocation.
- Baggage & documents — loss, damage or theft of baggage, theft of valuables, baggage delay, and loss of travel documents.
- Information & legal services abroad, private civil liability, and personal accident (death & disability).
For the full, clause-by-clause detail of each guarantee, its conditions and its specific exclusions, see our Viajero travel conditions — the same guarantees apply here on an annual basis.
Optional module — Trip cancellation ↑ top
Where contracted, the optional Cancellation module reimburses the unavoidable cancellation costs of a trip you have to call off for a covered reason (illness, accident, death, job loss, jury duty, serious damage at home, a terrorist act or natural disaster at the destination, and many more). The cause must arise more than 72 hours after the insurance is taken out, unless bought with the trip. The full list of covered reasons is set out in our cancellation conditions.
Part 2 — Exclusions, Consorcio & claims
General exclusions ↑ top
Unless a guarantee expressly includes it, the policy does not cover events before it started; fraud; travel to countries your government advises against; participating as a professional in sport and the consequences of winter sports; war, riots, terrorism and strikes (except where a guarantee says otherwise); nuclear radiation; natural catastrophes and extraordinary events (covered by the Consorcio); and claims from carrying on a professional activity (other than commercial or artistic work needing no physical effort). The full list matches the Viajero general exclusions.
Extraordinary risks (Consorcio de Compensación de Seguros) ↑ top
Losses from extraordinary events in Spain (earthquakes, tsunamis, extraordinary floods, volcanic eruptions, atypical cyclonic storm, falling meteorites; terrorism, rebellion, riot; and acts of the Armed/Security Forces in peacetime) are indemnified by the public Consorcio de Compensación de Seguros, funded by a surcharge collected with your premium, under Royal Legislative Decree 7/2004 and RD 300/2004.
How to claim, your rights & complaints ↑ top
24-hour travel assistance: 900 903 326 (from Spain) or +34 91 514 99 62 (from abroad). Keep all receipts and proof of the event. Premium is payable when the policy is taken out. Cancellation rights: you may cancel before the policy starts, and within the first 14 days for policies lasting more than 30 days, with a refund of the unused premium. Complaints go to Generali's Claims & Complaints Service, then the DGSFP. Law & jurisdiction: Spanish law, before the courts of the Insured's domicile in Spain.